The Bureau may be trying to reduce the number of pieces of paper the consumer gets for a TRID loan to save trees (doubt it) or cut down on information overload (perhaps). But it doesn't do anything for the lenders who now have to have a different procedure for TRID and non-TRID applications for compliance with the Reg B notice requirement.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8